Should You Invest In Ripple?

Should You Invest In Ripple? Ripple is a permissioned blockchain that allows trusted third parties to move assets onto a decentralized blockchain infrastructure. Banks join the Ripple network and then create 'issuances' for real world asset and then have the ability to trade this issuance with other banks.
Moves money from Bank A to B.
Its goal is to lower the cost of transactions between banks by taking advantage of blockchain technology.
they own over 70% of the coins in circulation
-. XRP was mined all at once by the parent company, with a majority of the cryptocurrency held by them.
Centralized (Not a real blockchain)
AS of today ripple is worth
17 cents
And has just gone through a mini pump and dump. And has experience Pump and Dumps in the past.Nothing new in Crypto world.
Thoughts
Good to have competition and study what other business are doing
Good for Banks.
Bank aren't going anywhere so they are adapting.
Theories?
But, could this be all play to buy large positions on exchanges to manipulate the prices?
My name is Ameer Rosic, and I'm a serial entrepreneur, investor, marketing Strategist and Blockchain Evangelist